Sued by a debt collector?

They filed a lawsuit. This is what you file back.

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Founder’s own case: Dismissed
In the Circuit Court · Your County, Your StatePlaintiff (a debt buyer) v. YouCase No. ____________
DEFENDANT’S ANSWER
  1. Defendant denies that Plaintiff owns the alleged debt, and demands strict proof of every link in the chain of assignment from the original creditor.
  2. Defendant denies that the amount claimed is supported by account-level records, and demands proof of every charge, payment, and fee.
  3. Defendant asserts the affirmative defenses of lack of standing and failure to state a claim…
Defendant, pro se — you review and sign
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$0 to check. One paid unlock if Answered can build your defense: the Full Defense Packet - $99, one-time. Prefer it handled? Filed-For-You totals $149 with Mail Filing where available. 60-day court-acceptance guarantee.

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32-state Full Defense Packet eligibility

Consumer debt lawsuit defense in 32 states. Start free — Answered checks whether it can build your defense before you pay anything.

A defense lawyer averages $349/hour. Answered is Full Defense Packet - $99, once. Doing nothing risks judgment for the full amount. See the full comparison

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62%

62% of the debt lawsuits in our six-year Wisconsin court study ended in default or uncontested judgment — silence loses automatically. When defendants answer, the odds change sharply.

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Coverage

Full Defense Packets in 32 states. Deadline help in all 50.

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Not listed? The free check still maps your deadline and points you to official resources.

How it works

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1

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2

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3

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$99 once. Print or e-file the same night — or add Mail Filing where available.

Why trust this

Built from a real dismissal — not a marketing survey.

“A debt buyer sued me. I answered pro se, made them prove a debt they couldn’t document, and the case was dismissed. Then I built the tool I wished I’d had that night.”
John DiSalle, founder of Answered
John DiSalle — Founder
Answered pro se. Case dismissed.
WISCONSIN CIRCUIT COURT ACCESS (WCCA)
Case 2025SC000885 · Eau Claire County · Small Claims
Plaza Services, LLC v. DiSalle
Dismissed without prejudice · April 9, 2026
Verify it yourself on the court’s site →
Every deadline and defense cites the statute or rule it comes from. How we source the law
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The deadline is the whole game

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